Prudential Premier Retirement Variable Annuities
Prudential Premier Retirement Variable Annuities
Prudential Premier Retirement Variable Annuities
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FINANCIAL DISCLOSURE<br />
<strong>Prudential</strong> <strong>Premier</strong> <strong>Retirement</strong><br />
Flexible Premium Deferred <strong>Annuities</strong><br />
Used to Fund an Individual <strong>Retirement</strong> Annuity or Roth<br />
Individual <strong>Retirement</strong> Annuity Program<br />
<strong>Premier</strong> <strong>Retirement</strong> B Series, <strong>Premier</strong> <strong>Retirement</strong> L Series,<br />
<strong>Premier</strong> <strong>Retirement</strong> X Series, and <strong>Premier</strong> <strong>Retirement</strong> C Series<br />
PRUCO LIFE INSURANCE COMPANY<br />
(A PRUDENTIAL FINANCIAL COMPANY)<br />
1. The Annuity and certain riders, endorsements or schedules attached to it have been submitted to the Internal Revenue Service<br />
(“IRS”) for approval as to form for use as an Individual <strong>Retirement</strong> Annuity as described in Section 408(b) of the Internal<br />
Revenue Code (“Code” and as a Roth Individual <strong>Retirement</strong> Annuity as described in Section 408A of the Code. The IRS<br />
approval is a determination as to form only and does not represent a determination of the merits of the Annuity. Approval of<br />
the Annuity by the IRS has either been received or is pending.<br />
2. Within seven (7) days after you receive your Annuity, you may cancel it for a refund by delivering or mailing it to the<br />
representative through whom you bought it or to the <strong>Prudential</strong> Annuity Service Center at the address indicated on your IRA<br />
Disclosure Statement or Roth IRA Disclosure Statement, as applicable. The notice of cancellation shall be deemed mailed on<br />
the date of the postmark (or if sent by certified or registered mail, the date of certification or registration) if it is deposited in<br />
the mail in the United States in an envelope, or other appropriate wrapper, first class postage prepaid, properly addressed. The<br />
amount of the refund will equal the greater of (1) the Purchase Payment (without regard to sales commissions (if any),<br />
administrative expenses or fluctuation in market value) or (2) the current Account Value of the Annuity as of the Valuation<br />
Day the refund request is received at our Office (without regard to sales commissions (if any) or administrative expenses).<br />
After seven (7) days, the terms of your right to cancel will revert back to the terms of the Right to Cancel provision of your<br />
Annuity. Please refer to the Right to Cancel provision of your Annuity for additional information.<br />
3. Key financial information is fully disclosed in the <strong>Prudential</strong> <strong>Premier</strong> <strong>Retirement</strong> <strong>Variable</strong> Annuity Series prospectus. This<br />
includes all charges, which may be applied to your interest in determining the net amount available to you under the Annuity,<br />
and how those charges are computed; and how annual earnings are computed and allocated. This includes, but is not limited<br />
to, information on Annuity and variable investment option expenses — such as insurance charges and portfolio management<br />
fees, which affect your Account Value. The following is a summary of some of the charges and expenses related to the<br />
<strong>Prudential</strong> <strong>Premier</strong> <strong>Retirement</strong> Annuity.<br />
No charges are deducted from your Purchase Payments when payments are made. Please note, in certain jurisdictions premium<br />
taxes may be required to be deducted from your Purchase Payments. Please consult the prospectus for more details.<br />
Each Purchase Payment may be subject to a contingent deferred sales charge (“CDSC”). The amount of the CDSC will depend<br />
on the Purchase Payments withdrawn and the number of years that have passed since the Purchase Payment was made. CDSCs<br />
apply to each Purchase Payment and are determined using the following percentages, which are multiplied by the amount of<br />
the Purchase Payment being liquidated:<br />
This disclosure is not part of the Prospectus.